Technology

A Platform for Payment Innovation

The nanopay platform is elegant in its simplicity. It enables the exchange of money using cryptographically secured payment messages that move value from one user to another safely and securely.

Our patented technology uses a centralized transaction processing model along with a resilient, replicated ledger. It is secured using a combination of public key cryptography, secure hashing, transaction linking and data modeling, coupled with automation of business logic.

Centralization of authority with replication of data enables much faster and cheaper payments compared to distributed consensus systems, while state-of-the-art cryptography ensures the highest level of security.

How it Works

  • The user (either a person or business) registers on our system.
  • Each registered user has a valid bank account and a digital account.
  • Users can transfer money from their bank account to their digital account to enable real-time payments.
  • Money moves instantly and securely between digital accounts. The settlement is instant.
  • The sender receives a confirmation that proves that the payment was completed.
  • Users can also move money from digital accounts back to their bank account.
nanopay – How it Works

Key Features

Clearing & Settlement

  • 24×7 real-time clearing and settlement
  • Digital fiat is fully collateralized
  • Flexible settlement options

Multi-Currency

  • Issue digital fiat in multiple currencies
  • Dynamically exchange value from one currency to another
  • Broker services with atomic multi-currency support

Secure & Open API

  • Secure API access
  • Interoperability with JSON & ISO 20022 support
  • Sandbox and Live production environments

Highly Secure

  • Cryptographically secure transactions
  • Pluggable cryptographic algorithms
  • All transactions are private & permissioned

Easy Integration

The nanopay platform encourages innovation through open REST APIs. This enables banks, payment service providers and businesses to easily integrate our technology. Our solution offers the flexibility to be deployed in the Cloud or on premise.

Integrate nanopay into your payment solutions today.

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